Carlos Jose

Carlos José is 37 years old. He is a farmer who is happily married and has 2 children who are school age. He lives in a town called Rio Abajo, 8 kilometers northeast of the city of Condega, which is located 35 km north of Estelí, the capital of the department. He has been living at his address for 10 years and owns the house where he lives.

Carlos has been working in agriculture for more than 22 years. He farms vegetables such as tomatoes and sweet peppers, among others. He has a small piece of land where he plants his crops every year, since this is his only source of income for supporting his family.

He has come to the office of Ceprodel again with the goal of requesting a new loan to help with half a manzana [unit of measure for land] of sweet peppers that he will plant. He will buy inputs such as manure, fertilizers, and herbicides, among other things, that are essential for good production.

He is very grateful to Ceprodel for the financial support they have provided him because the results have been positive. Through the poverty reduction policies that Ceprodel manages for its borrowers, Carlos says that if he is approved for this loan, he could help out his crops and achieve a good production, which would mean a better quality of life for his family.

Additional Information

About CEPRODEL

This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.